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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.06
AF's Cash-to-Debt is ranked lower than
97% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. AF: 0.06 )
Ranked among companies with meaningful Cash-to-Debt only.
AF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.06 Max: 0.08
Current: 0.06
0.02
0.08
Equity-to-Asset 0.12
AF's Equity-to-Asset is ranked higher than
68% of the 1614 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. AF: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
AF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.12
Current: 0.12
0.05
0.12
Interest Coverage 0.91
AF's Interest Coverage is ranked lower than
67% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. AF: 0.91 )
Ranked among companies with meaningful Interest Coverage only.
AF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.33 Max: 0.91
Current: 0.91
0.07
0.91
Piotroski F-Score: 5
Beneish M-Score: -2.38
WACC vs ROIC
4.22%
1.66%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 29.34
AF's Operating Margin % is ranked lower than
55% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. AF: 29.34 )
Ranked among companies with meaningful Operating Margin % only.
AF' s Operating Margin % Range Over the Past 10 Years
Min: 7.57  Med: 25.51 Max: 42.89
Current: 29.34
7.57
42.89
Net Margin % 18.70
AF's Net Margin % is ranked lower than
63% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. AF: 18.70 )
Ranked among companies with meaningful Net Margin % only.
AF' s Net Margin % Range Over the Past 10 Years
Min: 5.44  Med: 17.36 Max: 30.5
Current: 18.7
5.44
30.5
ROE % 3.68
AF's ROE % is ranked lower than
81% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. AF: 3.68 )
Ranked among companies with meaningful ROE % only.
AF' s ROE % Range Over the Past 10 Years
Min: 2.32  Med: 5.14 Max: 10.29
Current: 3.68
2.32
10.29
ROA % 0.48
AF's ROA % is ranked lower than
74% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. AF: 0.48 )
Ranked among companies with meaningful ROA % only.
AF' s ROA % Range Over the Past 10 Years
Min: 0.13  Med: 0.4 Max: 0.61
Current: 0.48
0.13
0.61
3-Year Revenue Growth Rate -3.50
AF's 3-Year Revenue Growth Rate is ranked lower than
81% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. AF: -3.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -19.9  Med: 1.9 Max: 8.2
Current: -3.5
-19.9
8.2
3-Year EBITDA Growth Rate -1.50
AF's 3-Year EBITDA Growth Rate is ranked lower than
70% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. AF: -1.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -43.4  Med: 2.6 Max: 42
Current: -1.5
-43.4
42
3-Year EPS without NRI Growth Rate 1.10
AF's 3-Year EPS without NRI Growth Rate is ranked lower than
68% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. AF: 1.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -45  Med: 4.9 Max: 71.8
Current: 1.1
-45
71.8
GuruFocus has detected 5 Warning Signs with Astoria Financial Corporation $AF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

AF Guru Trades in Q1 2016

Mario Gabelli 152,000 sh (+623.81%)
Jim Simons 1,812,450 sh (+91.49%)
Kahn Brothers 17,685 sh (unchged)
Bernard Horn 298,904 sh (-4.57%)
» More
Q2 2016

AF Guru Trades in Q2 2016

Mario Gabelli 257,500 sh (+69.41%)
Bernard Horn 298,904 sh (unchged)
Jim Simons 1,629,950 sh (-10.07%)
Kahn Brothers 11,185 sh (-36.75%)
» More
Q3 2016

AF Guru Trades in Q3 2016

Mario Gabelli 286,700 sh (+11.34%)
Kahn Brothers 11,185 sh (unchged)
Bernard Horn Sold Out
Jim Simons 1,492,150 sh (-8.45%)
» More
Q4 2016

AF Guru Trades in Q4 2016

Michael Price 50,000 sh (New)
Mario Gabelli 356,420 sh (+24.32%)
Kahn Brothers 11,185 sh (unchged)
Jim Simons 1,173,900 sh (-21.33%)
» More
» Details

Insider Trades

Latest Guru Trades with AF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC26.024.686.5% Non-Cum Perp Pfd Shs Sr C

Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:BOFI, NAS:NWBI, NYSE:PFS, NAS:CFFN, NYSE:FBC, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:LOB, NAS:FFIC, NAS:DCOM, NAS:CASH, NAS:WAFD, NAS:HMST, OTCPK:BBXTB, NAS:HONE, NAS:WSBF, NAS:BKMU » details
Traded in other countries:ORD.Germany,
Astoria Financial Corporation, through its wholly-owned subsidiary, Astoria Federal, attracts retail deposits from the general public and investing those deposits in mortgage loans, commercial real estate loans and mortgage-backed securities.

Astoria Financial Corporation is a Delaware corporation organized on June 14, 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. The Company is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, by the FDIC, as its deposit insurer, and by the CFPB.

Ratios

vs
industry
vs
history
PE Ratio 30.43
AF's PE Ratio is ranked lower than
90% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. AF: 30.43 )
Ranked among companies with meaningful PE Ratio only.
AF' s PE Ratio Range Over the Past 10 Years
Min: 7.89  Med: 17.74 Max: 48.46
Current: 30.43
7.89
48.46
PE Ratio without NRI 30.43
AF's PE Ratio without NRI is ranked lower than
89% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. AF: 30.43 )
Ranked among companies with meaningful PE Ratio without NRI only.
AF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.89  Med: 17.74 Max: 48.46
Current: 30.43
7.89
48.46
Price-to-Owner-Earnings 23.60
AF's Price-to-Owner-Earnings is ranked lower than
78% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. AF: 23.60 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.01  Med: 14.06 Max: 45.93
Current: 23.6
4.01
45.93
PB Ratio 1.22
AF's PB Ratio is ranked lower than
51% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. AF: 1.22 )
Ranked among companies with meaningful PB Ratio only.
AF' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 0.99 Max: 2.48
Current: 1.22
0.5
2.48
PS Ratio 4.96
AF's PS Ratio is ranked lower than
75% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. AF: 4.96 )
Ranked among companies with meaningful PS Ratio only.
AF' s PS Ratio Range Over the Past 10 Years
Min: 1.3  Med: 3.19 Max: 6.58
Current: 4.96
1.3
6.58
Price-to-Free-Cash-Flow 23.53
AF's Price-to-Free-Cash-Flow is ranked lower than
72% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. AF: 23.53 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.22  Med: 7.34 Max: 23.75
Current: 23.53
2.22
23.75
Price-to-Operating-Cash-Flow 22.26
AF's Price-to-Operating-Cash-Flow is ranked lower than
77% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. AF: 22.26 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.12  Med: 7.01 Max: 22.49
Current: 22.26
2.12
22.49
EV-to-EBIT 37.82
AF's EV-to-EBIT is ranked lower than
90% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. AF: 37.82 )
Ranked among companies with meaningful EV-to-EBIT only.
AF' s EV-to-EBIT Range Over the Past 10 Years
Min: 14.6  Med: 35.3 Max: 132.1
Current: 37.82
14.6
132.1
EV-to-EBITDA 33.72
AF's EV-to-EBITDA is ranked lower than
89% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. AF: 33.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
AF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.9  Med: 31.5 Max: 91.2
Current: 33.72
12.9
91.2
PEG Ratio 30.50
AF's PEG Ratio is ranked lower than
97% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. AF: 30.50 )
Ranked among companies with meaningful PEG Ratio only.
AF' s PEG Ratio Range Over the Past 10 Years
Min: 1.52  Med: 4.66 Max: 369.5
Current: 30.5
1.52
369.5
Shiller PE Ratio 23.53
AF's Shiller PE Ratio is ranked lower than
55% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. AF: 23.53 )
Ranked among companies with meaningful Shiller PE Ratio only.
AF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.43  Med: 9.98 Max: 23.81
Current: 23.53
3.43
23.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.85
AF's Dividend Yield % is ranked lower than
91% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. AF: 0.85 )
Ranked among companies with meaningful Dividend Yield % only.
AF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.84  Med: 3.46 Max: 15.85
Current: 0.85
0.84
15.85
Dividend Payout Ratio 0.25
AF's Dividend Payout Ratio is ranked higher than
66% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. AF: 0.25 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.56 Max: 1.73
Current: 0.25
0.18
1.73
Forward Dividend Yield % 0.85
AF's Forward Dividend Yield % is ranked lower than
93% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. AF: 0.85 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.30
AF's 5-Year Yield-on-Cost % is ranked lower than
98% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. AF: 0.30 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.3  Med: 1.23 Max: 5.63
Current: 0.3
0.3
5.63
3-Year Average Share Buyback Ratio -0.80
AF's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. AF: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.7  Med: 0.4 Max: 7.5
Current: -0.8
-23.7
7.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.37
AF's Price-to-Tangible-Book is ranked lower than
56% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. AF: 1.37 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.79  Med: 1.61 Max: 2.92
Current: 1.37
0.79
2.92
Price-to-Intrinsic-Value-Projected-FCF 0.67
AF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
66% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. AF: 0.67 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.6 Max: 0.89
Current: 0.67
0.26
0.89
Price-to-Median-PS-Value 1.55
AF's Price-to-Median-PS-Value is ranked lower than
80% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. AF: 1.55 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 1.2 Max: 1.92
Current: 1.55
0.56
1.92
Price-to-Peter-Lynch-Fair-Value 4.42
AF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
97% of the 438 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. AF: 4.42 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
AF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.37  Med: 1.77 Max: 4.45
Current: 4.42
0.37
4.45
Price-to-Graham-Number 1.36
AF's Price-to-Graham-Number is ranked lower than
77% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. AF: 1.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.65  Med: 1.11 Max: 2.11
Current: 1.36
0.65
2.11
Earnings Yield (Greenblatt) % 2.60
AF's Earnings Yield (Greenblatt) % is ranked lower than
68% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. AF: 2.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.8  Med: 2.8 Max: 6.8
Current: 2.6
0.8
6.8
Forward Rate of Return (Yacktman) % 14.13
AF's Forward Rate of Return (Yacktman) % is ranked higher than
59% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. AF: 14.13 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -18.1  Med: 12.1 Max: 26.4
Current: 14.13
-18.1
26.4

More Statistics

Revenue (TTM) (Mil) $382.6
EPS (TTM) $ 0.62
Beta0.57
Short Percentage of Float3.50%
52-Week Range $14.11 - 19.26
Shares Outstanding (Mil)101.21
» More Articles for AF

Headlines

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Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 

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